Senior Fintech Risk Analyst
Role Description
We are seeking a dynamic, strategic, and analytical Senior Fintech Risk Analyst to join our team and work with our Fintech Banking-as-a-Service (BaaS) partners and Payments clients. In this role, you will expertly execute risk programs, while collaborating to optimize the Enterprise Risk Management (ERM) oversight of Lead’s fintech partners. As a Senior Analyst, you will act as a primary risk consultant to cross-functional teams throughout the Bank and senior leadership. You will own the end-to-end execution of complex risk assessments, provide robust credible challenges to internal and external stakeholders, and ensure our fast-growing fintech portfolio scales safely within the Bank's risk appetite.
Qualifications
Experience: 4+ years of direct experience in risk management, compliance, or internal audit, specifically within third-party risk management (TPRM), risk & control self-assessments (RCSA), or risk reporting.
Domain Expertise: Proven experience in the Fintech, Payments, or Banking-as-a-Service (BaaS) sectors (e.g., card issuing, ACH/payments, loan origination via bank sponsorship models) is highly preferred.
Regulatory Knowledge: Familiarity of banking regulations and supervisory guidance relevant to third-party risk and bank-fintech partnerships (e.g., OCC, Fed, FDIC guidances).
Advanced Risk Frameworks: Strong command of the risk management lifecycle, including risk identification, control design, control effectiveness testing, and building scalable risk metrics.
Data & Analytics Skills: Strong proficiency in utilizing data to build risk dashboards and synthesize metrics.
Execution & Proactive Drive: Highly self-motivated and organized professional who thrives in a fast-paced environment; demonstrates strong ownership over their work and deliverables and proactively manages work priorities.
Communication & Influence: Exceptional communication and presentation skills; confident in providing credible challenges to internal functional areas and fintech partners and able to present complex risk topics clearly to senior management and external clients.
Problem Solving: Proven ability to analyze ambiguous, complex risk issues and translate them into structured, actionable, and trackable milestones within a remediation plan.
AI Leverage & Critical Discernment: Comfortable utilizing AI tools to accelerate workflows, paired with exceptional reading comprehension and writing skills to critically evaluate, refine, and validate all outputs; understands that AI is a guide, but final quality and accuracy require human oversight and sharp analytical thinking.
What We Offer
Competitive compensation, based on experience, geographic location, and role.
Medical, Dental, Vision, Life, 401k Matching, and other wellness benefits, including FSA, HSA and HRAPaid parental leave
Flexible vacation policy, including PTO and paid holidays
A fun and challenging team environment in a dynamic industry with ample opportunities for career growth
Company Culture
Lead Bank is proud to have an inclusive culture committed to ensuring equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.
Equal Opportunity Employer
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
Reasonable Accommodations
Pursuant to the Los Angeles County Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
Compensation
Our compensation reflects the cost of labor across several US geographic markets. Pay is based on a number of factors and may vary depending on geographical market location, job-related knowledge, skills, and experience.
Zone 1: $122,719 - $137,500 (SF/Bay Area, NYC, Seattle)
Zone 2: $ 105,761 - $124,725 (Austin, Boston, Chicago, Denver, LA, San Diego, DC)
Zone 3: $89,250 - $105,000 (Other US Metros)